2. Our Focus Focus on businesses with an annual turnover between R500 000 and R15 million p.a.

3. Our Focus Market segmentation allows for greater focus on a market that has diverse and specific needs

4. Our Focus These specific segments include… Start-up Business Franchises Professional Entities Established Businesses

5. Challenges Challenges faced by Entrepreneurs Access to markets Opportunities & Capital Financial acumen Business formalisation Access to support services BDS / Growth Partners Lack of collateral

6. Our Approach YOUR BUSINESS

7. Our Philosophy Our understanding of the unique challenges business owners face has led us to offer ‘Banking & Beyond’ A focused client driven approach Relationship banker in one of our many branches We understand the unique challenges Client feedback and independent research A credit philosophy aligned to your focus Complying with NCA, FICA and CPA Service efficiency and excellence 24 Hour Call Centre – Single point of contact

8. How Nedbank helps startup Entrepreneurs Start up businesses under 2 years This offer could save you bank charges of up to R60 000 in your first year of operation alone! It also offers support in two critical areas for a new business, namely:  Adequate capitalisation  Controlled overheads Free transactional Banking Take out a minimum R100 000 loan Free Unlimited cash deposits & debit orders Free Unlimited cheques from own cheque book Free Unlimited Internet banking

9. How Nedbank enables entrepreneurs Small Business Friday

11. How Nedbank enables entrepreneurs Online portal for business Get value-added practical business information, templates and tools Network with other businesses Obtain valuable insights Great offers and tools to assist your small business

12. How Nedbank enables entrepreneurs SimplyBiz Locator You can’t afford for your business not to be on the map! Register your business on SimplyBiz.co.za, get listed on our SimplyBiz Locator mobile app and be found anytime, anywhere.

13. How Nedbank enables entrepreneurs Innovative Product Solutions Nedbank PocketPOS™ is a mobile payment device with built in flexibility and security Accept Card payments securely, anywhere, anytime. Nedbank Cash and Rewards Revolve Cards Grow your business, by marketing your products and accepting payments online.

14. Financing Short, Medium and Long Term Conform to NCA, FICA and CPA Start Up Nedbank Cash Revolve Reward cards Investment advice Transacting Netbank for Business – including Instant Payments Intelligent Depositors Acquiring -: Full Solution and Pocket Pos, E-commerce Personal Bundle and Innovative support Payroll solutions Support Product Support Specialists (Investing, Global, Digital, Acquiring) Nedbank @ Work 24 Hour Contact Centre My Financial Life E-Notes. Approve-It

15. Finance Options Short Term Working capital, debtors, stock Overdraft facility Debtor finance Guarantees

16. Medium Term Finance Options Fixtures and fittings, plant and equipment, vehicles Renovations of premises Asset based finance Instalment sale Lease Rental Medium term loans

17. Long Term Finance Options Property finance Home loans Commercial property finance

18. From starting your career, to expanding your practice & planning your retirement, let us partner with you. Young Professionals Established Individuals & Professionals Medical Professionals Entrepreneurs & business owners … and their households As you graduate and gain experience in the workplace, Nedbank offers you a banking experience that supports your aspirations and is flexible enough to grow as you grow. We understand that you lead a demanding life, with a lot of pressure on your time. We know you need a banking package that works as hard as you do to take good card of your personal and professional financial fitness. Nedbank offers you access to industry experts who can assist you in running and growing your medical practice and personal finances, with emphasis on medical equipment finance Nedbank can offer you start-up funding for your small business or practice, as well as take card of your personal banking and the needs of your employees Nedbank offers you and your household, a banking experience that comes with a dedicated Relationship Banker, world class self-service channels, and a range of investment and finance solutions tailored to the needs of professionals Product Specialist Support

19. Conclusion We have a differentiated credit lending model Our offer is underpinned by service efficiency and excellence We offer ‘value- added’ services

20. Thank you for your time.